The HSBC Bank USA, N.A. is a personal credit card from HSBC Bank USA, N.A.. The annual fee is $495 for the primary cardholder, $0 for authorized users. The ongoing APR is Variable 19.99% to 24.99% purchase APR, depending on creditworthiness. Signup bonus: Earn 75,000 Welcome Bonus Points, worth up to $900 in travel, when booked through HSBC Travel, after spending $4,000 in the first 3 months of opening the card. Rewards: 5× Points on eligible travel; 2× Points on dining out and other travel; 1× Points on all other purchases. This product reports activity to your personal credit report. Requires HSBC Premier checking account. 3x points on travel, 2x on dining, 1x everything else. No foreign transaction fee. Airport lounge access. $0 for authorized users. Waived for HSBC Private Banking clients. Equifax pull.